Australia's lowest rate business ute finance.

As UTE finance brokers, we focus on providing customised loans that support and drive your business growth. With funding ranging from $20,000 to $10,000,000, we offer flexible options for both single asset purchases and large-scale investments.

98%

client success rate - simple approvals and fast funding.

70+

lenders and banks to compare with zero impact on credit score.

Zero

in-house fees, hidden cost or upfront credit checks.

Save

time and money with our competitive rates and premium service.

We beat competitor quotes!

COMPARE YOUR OPTIONS HERE!

“Simon and his team were great to work with. They provided a friendly, efficient and hassle free service and got us what we needed. I wouldn’t hesitate to recommend Simon to other business owners!”

Shaun T.

Ute finance made easy.

Want to compare rates on business ute finance? We work with ABN holders, from sole traders and tradies to companies, partnerships, and trusts, to ensure they get the most competitive deal in the market.
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Partnering with us means having a dedicated broker who will work hard on your behalf to secure the best rates and keep you updated throughout the entire process. From application to approval, coordinating with the seller and managing post-settlement admin, we're always in touch with our clients, delivering clear and reliable communication. With over 30 years of experience, we’re known for transparency and a hassle-free experience, focused on building trust and strengthening your business through every phase of its growth.‍‍

Competitive solutions.

‍‍No matter your situation, we offer a range of commercial solutions—including chattel mortgages, leases, rent-to-own, hire purchase, and sale & leaseback—designed to give your business the flexibility it needs to succeed. Our promise is to deliver true effective rates and full disclosure of lender conditions upfront, ensuring you understand your loan with no unexpected surprises. With our team by your side, you can make confident decisions, knowing your business will always have the dedicated support it needs for all its funding requirements—no need to look elsewhere.‍‍

Compare and save today.

Lock in today's lowest rate on business ute finance. Whether you're buying your first ute, upgrading your current one, or expanding your fleet, we’ve got you covered. We arrange financing for both new and used vehicles from a dealership, private seller, or auction.
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Ready to get started? Give us a call or fill out our simple online form to compare your options. Your time matters to us—if we’re not able to assist, we’ll be upfront and let you know right away, with no impact on your credit score.

Get A Free Quote

Our commitment extends beyond assisting with a single business requirement or asset purchase; we’re here to be your partner for the long haul.

Supporting individuals and businesses across Australia.

Why choose us?

Free service with no upfront costs or hidden fees

Gain a dedicated licensed finance broker

3030+ years experience and industry knowledge

Australian family-owned brokerage firm

We build trust by being honest and transparent

Our experts help you save time and money

Access to 65+ banks & non-bank lenders

Competitive rates, repayments & loan terms

Efficient approvals & fast settlements

90 day fixed pre-approvals: Shop with confidence

Credit score protection

Zero paperwork: We do all the hard work

New or used - no asset age restrictions

Purchase from a dealership, private seller or auction

Personalised service tailored to your specific needs

Expert and strategic negotiation approach

No wait times: Direct access to our team

Non-property owners accepted

Solutions for various credit profiles

Established, new and 1 day ABN holders

Balloon payment and early payout options

No deposit options

Tax benefits (asset depreciation)

Insurance solutions through our trusted network

Built a loyal client base due to our rates & service

Support for the lifetime of your business

Our simple loan process.

Get A Free Quote

Receive a complimentary comparison quote by completing our short online form or giving us a call to discover the wide range of affordable ute financing options at your disposal for you and your business.

Conditional Approval

We will conduct a credit profile evaluation that will not leave any imprints in order to find the most suitable lender for your ute loan and obtain a quick pre-approval. You can shop and enquire with confidence, or if you've already found your asset, we'll initiate the settlement process.

Sign Documents

After we receive confirmation of the settlement, we will thoroughly review your loan terms and repayment options to make sure they meet your needs and preferences. Once the contract is ready, it will be sent to you for your review and signature.

Get Funded

Once the funds are ready to go, we will make sure to contact you and extend our best wishes on your successful purchase. Afterward, you will be able to proceed with collecting your ute at your convenience.

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See how Overdrive delivers more.

Fast approvals & turnarounds.

Apply online or give us a call to see if you're eligible for pre-approval in just minutes. You can receive a formal finance approval within 24 hours, and for low doc applications, funds can be available within 48 hours. Please note, full doc applications may take additional time.

Loans from $20K up to $5M.

✔ Low-doc (no financials) up to $500K
✔ Full-doc from $500K-$5M
✔ No deposit options
✔ Balloon options to reduce monthly payments
✔ Early payout options
✔ No property as security

Credit score protection.

Before matching your application with a suitable lender, it undergoes a thorough, soft-touch evaluation of over 1,000 lender policies, all without impacting your credit score. Unlike other companies, we cover the cost of these evaluations, making us the better choice.

No paperwork or wait times.

We’ll handle all the hard work, providing you with a seamless and hassle-free experience. You won’t have to worry about long waits or excessive paperwork like you would when dealing with banks or other companies.

Tax effective solutions.

At Overdrive, our consultants are dedicated to understanding your unique business needs in order to negotiate tailored solutions that consider your tax obligations and cash flow requirements.

Low monthly repayments.

You can take advantage of comparing competitive interest rates, repayments, and flexible loan terms from our extensive network of over 65 trusted Australian banks and non-bank lenders.

Personalised approach.

We value our proactive and personalized approach, which is a key component of our service. We understand that every client and application has unique needs and requirements, and we are committed to providing them with the necessary support.

Guidance and support.

We are dedicated to offering full support and peace of mind throughout the entire loan process, from start to finish. Our main priority is to ensure our clients receive the highest level of service and assistance.

Great rates, better service.

We are focused on delivering the best rates in the market. We are committed to providing exceptional service and working diligently to help our clients achieve their long-term goals.

Sale & leaseback.

Leverage our sale & leaseback option to unlock capital from your existing assets! For instance, if you own your vehicle outright and it's valued at $50K, you can borrow the equivalent amount by using your vehicle as collateral.

Business ute refinancing.

You can refinance your ute with us. If you're looking for a better interest rate, balloon refinance, or inexpensive payment terms, give our specialists a call, and we’ll take care of the rest to secure a better outcome for you.

Insurance solutions.

When needed, we can help you secure insurance. Through our network of trusted providers, we can connect you with experts who will guide you in insuring your ute.

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